Volkswagen Jetta Insurance Rates
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UPDATED: Jun 27, 2022
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How much is insurance for a Volkswagen Jetta? The average cost to insure a Volkswagen Jetta is $117 per month or $1,414 annually. Many factors impact your Volkswagen insurance rates. For example, the age of your Jetta model can cause your premiums to increase or decrease. The 2011 Volkswagen Jetta insurance rates will be lower than the 2016 Volkswagen Jetta insurance costs.
Your individual demographics will also impact the car insurance rates you receive for your Volkswagen Jetta. Experienced drivers with clean driving records usually secure the cheapest average insurance rates.
Whether your VW Jetta is old or new, read through our comprehensive guide to learn how to secure cheap car insurance rates for your Volkswagen. No matter your age or driving record, qualifying for discounts and comparison shopping can help every driver save money on insurance premiums.
To start comparison shopping for Volkswagen insurance rates, enter your ZIP code in our free tool to get affordable Volkswagen quotes.
Average auto insurance rates for a Volkswagen Jetta are $1,382 annually for full coverage. Comprehensive insurance costs on average $284, collision costs $524, and liability insurance costs around $416. A liability-only policy costs as low as $474 a year, with high-risk insurance costing $2,996 or more. 16-year-old drivers receive the highest rates at $5,192 a year or more.
Average premium for full coverage: $1,382
Rate estimates by individual coverage type:
These estimates include $500 policy deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and for all Jetta models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from as cheap as $474 for your basic liability-only policy to the much higher price of $2,996 for a policy for a high-risk driver.
Price Range by Location
Where you live has a significant impact on car insurance rates. Rural areas tend to have fewer accident claims than congested cities.
The example below illustrates how rural and urban location affects car insurance rates.
These examples show why everyone should compare prices based on a specific location and their own personal driving habits, rather than relying on rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Information
The chart below shows estimated Volkswagen Jetta insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $795
- Using higher $1,000 deductibles will save around $184 a year
- The estimated rate for a 40-year-old driver with $500 deductibles is $1,382
- Buying pricier low deductibles for physical damage coverage costs an additional $356 a year
- Drivers with multiple tickets or accidents could pay upwards of $2,996 or more
- The cost with full coverage for a teen driver for full coverage may cost $5,192 or more
Insurance rates for a Volkswagen Jetta can also vary considerably based on the trim level of your Jetta, your driver profile, and policy deductibles and limits.
A more mature driver with a clean driving record and high physical damage deductibles could pay as little as $1,300 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay upwards of $5,100 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying at a minimum $1,600 to $2,300 extra per year, depending on your age. Volkswagen Jetta insurance for high-risk drivers can be anywhere from 44% to 129% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could cut rates by as much as $540 each year, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $318 more per year. View Rates by Deductible or Liability Limit
Where you live has a huge impact on Volkswagen Jetta insurance rates. A driver around age 40 might see rates as low as $910 a year in states like Idaho, Maine, and Iowa, or at least $1,970 on average in Michigan, Louisiana, and New York.
|State||Premium||Compared to U.S. Avg||Percent Difference|
With so much variability in rates, the only way to know exactly what you will pay is to regularly compare rates from as many companies as possible. Each insurance company utilizes a different rate formula, so the rates can be significantly different between companies.
Insurance Rates by Trim Level and Model Year
|Model and Trim||Annual Premium||Monthly Premium|
|Volkswagen Jetta S 4-Dr Sedan||$1,258||$105|
|Volkswagen Jetta LE 4-Dr Sedan||$1,340||$112|
|Volkswagen Jetta S 2.5 Station Wagon||$1,228||$102|
|Volkswagen Jetta SE 4-Dr Sedan||$1,382||$115|
|Volkswagen Jetta 2.0T 4-Dr Sedan||$1,422||$119|
|Volkswagen Jetta SE 2.5 Station Wagon||$1,310||$109|
|Volkswagen Jetta SEL 4-Dr Sedan||$1,422||$119|
|Volkswagen Jetta 2.0T Station Wagon||$1,350||$113|
Rates assume 2020 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
|Model Year||Comprehensive||Collision||Liability||Total Premium|
|2020 Volkswagen Jetta||$284||$524||$416||$1,382|
|2019 Volkswagen Jetta||$274||$502||$430||$1,364|
|2018 Volkswagen Jetta||$260||$484||$442||$1,344|
|2017 Volkswagen Jetta||$250||$450||$452||$1,310|
|2016 Volkswagen Jetta||$240||$424||$456||$1,278|
|2015 Volkswagen Jetta||$230||$380||$460||$1,228|
|2014 Volkswagen Jetta||$214||$350||$460||$1,182|
|2013 Volkswagen Jetta||$206||$328||$464||$1,156|
|2012 Volkswagen Jetta||$202||$306||$474||$1,140|
|2011 Volkswagen Jetta||$186||$284||$474||$1,102|
|2010 Volkswagen Jetta||$182||$258||$478||$1,076|
|2009 Volkswagen Jetta||$170||$236||$474||$1,038|
|2008 Volkswagen Jetta||$160||$214||$474||$1,006|
|2007 Volkswagen Jetta||$154||$192||$468||$972|
|2006 Volkswagen Jetta||$152||$188||$460||$958|
|2004 Volkswagen Jetta||$138||$170||$446||$912|
|2003 Volkswagen Jetta||$132||$162||$442||$894|
Rates are averaged for all Volkswagen Jetta models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy Cheap Volkswagen Jetta Insurance
Saving money on Volkswagen Jetta insurance requires being safe and accident-free, having a good credit history, eliminating unneeded coverage, and bundling your home and auto policies. Set aside time to shop around every year by requesting rates from direct carriers like Progressive and GEICO, and also from local insurance agents.
Below you'll find a brief summary of the coverage data raised in the charts and tables above.
- Drivers can save as much as $170 per year simply by quoting online well ahead of the renewal date
- Increasing deductibles could save up to $550 each year
- Youthful drivers pay the highest rates, costing as high as $433 per month including comprehensive and collision insurance
- High-risk drivers that tend to have accidents or serious violations may be required to pay an average of $1,610 more each year than a low-risk driver
Shopping around for VW Jetta insurance rates is the best way to find a cheap Volkswagen Jetta insurance cost at a VW Jetta insurance group. Whether you want to know how much is a Volkswagen Jetta S or how much does a 2017 Volkswagen Jetta cost to insure, getting quotes will make sure you get the best price possible.
So how much does a VW Jetta cost to insure based on your driving record and insurance needs? Enter your ZIP code in our free quote tool below to get started on finding the best Volkswagen Jetta rates.
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What are the safety ratings for the Volkswagen Jetta?
The Volkswagen Jetta safety ratings and features can have a major impact on your insurance rates. The Volkswagen Jetta’s safety features include a complete airbag system, brake assist, traction control, blind-spot monitor, cross-traffic alert, and more.
Keep in mind that an old Jetta car may not be equipped with cameras. Therefore, higher-tech versions of this car, like the 2015 VW Jetta costs for insurance, may be lower than older 2007 models that are not as technologically advanced.
Check out the safety ratings for the 2020 Volkswagen Jetta below.
- Small overlap front (driver-side): Good
- Small overlap front (passenger-side): Good
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: Good
A rating of ‘Good’ is the highest possible score given by the Insurance Institute for Highway Safety.
While some of the safety ratings are fantastic and definitely help make the Jetta cheaper to insure, unfortunately, the headlights for the 2020 model received ratings of only marginal and poor, depending on the trim.
We recommend you make sure to check the safety ratings for your specific year and model of VW Jetta. A Volkswagen Jetta that is older, like the 2008 Jetta safety ratings, might be slightly different than the safety ratings for a Jetta CSL.
Remember that worse safety ratings will likely lead to higher car insurance rates.
Volkswagen Jetta Compared Against other Vehicles in the Same Class
Comparing the Volkswagen Jetta to similar vehicles can help you save money, especially if the Volkswagen Jetta has a better loss ratio than other vehicles in its class.
Officially, the Insurance Institute for Highway Safety classifies the Volkswagen Jetta as a midsize sedan.
Check out other comparable midsize sedans below.
Unfortunately, the VW Jetta has poor liability insurance losses in comparison to other midsize cars, which does mean higher average insurance premiums.
The Jetta has worse than average property damage and personal injury loss ratios at 26 percent and 24 percent respectively. It also received substantially worse than average medical payment and bodily injury loss ratios at 33 percent and 41 percent respectively.
The maintenance costs on a Jetta are also often pricier than average, which will impact your insurance rates. For example, the VW Jetta TDI cost to own is around $100 higher annually than average compared to other sedans.
Despite a few negatives, you now know why a Jetta is cheap to insure. Not only does this classic VW sedan have great safety ratings but it also has additional safety features that can be included to make for a better driving experience.
The lower premiums make it a good option for new drivers. The average insurance price for 16-year-old drivers is often much higher than average, but a safe and reliable car like the Jetta can help mitigate those increases. Consider finding a Volkswagen Jetta that is older for your teen driver.
Ready to find out how much is a Volkswagen Jetta to insure in your area? Whether you are shopping for a Volkswagen Jetta 2014 model or a 2020 model, enter your ZIP code in our free tool to find the cheapest rates.
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$102|
|5-yr Claim Free||$89|
|Paid in Full/EFT||$63|
Discounts are estimated and may not be available from every company or in every state.